All three of these cards were published on Above Rubies Studio Gypsy A to Z DVD!  What an honor!  They were all made with Gypsy Wanderings cartridge.  The images on the cartridge do not have layers so I needed to cut each one 3 times and cut it apart ot get the 3 colors.  The card with the dark blue stripe has Cuttlubug D'vine swirls as the water.  On all, 3 I used Fiskars Sentimental Scallop edge punch to top the bottom layer.  The sentiment on the 2 that have one are Hero Arts.

Thanks for looking!